Fintech moves fast. But here at Fintech Takes, Alex Johnson and his rotating panel of guests move faster so that you can stay on top of the latest and greatest news in the industry without breaking a sweat.
Welcome to Fintech Takes—the place where fintech’s biggest nerds come to sit back, relax, and completely geek out.
Join Alex and a lineup of fintech’s brightest minds as they dissect what’s happening in fintech and banking.
Each week, Alex and his guests recap the most interesting developments in fintech and explore the industry’s most pressing questions, diving headfirst into the intricate workings of some of the industry’s most ground-breaking business models and unpacking the emerging players that promise to shape fintech’s future.
From riveting conversations with fintech’s most relevant operators to comprehensive recaps of the month's most compelling news stories and in-depth analyses of the latest regulatory developments, Fintech Takes is your one-stop-shop for navigating the fintech universe.
Subscribe now to join fintech’s nerdiest podcast around!
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Fintech moves fast. But here at Fintech Takes, Alex Johnson and his rotating panel of guests move faster so that you can stay on top of the latest and greatest news in the industry without breaking a sweat.
Welcome to Fintech Takes—the place where fintech’s biggest nerds come to sit back, relax, and completely geek out.
Join Alex and a lineup of fintech’s brightest minds as they dissect what’s happening in fintech and banking.
Each week, Alex and his guests recap the most interesting developments in fintech and explore the industry’s most pressing questions, diving headfirst into the intricate workings of some of the industry’s most ground-breaking business models and unpacking the emerging players that promise to shape fintech’s future.
From riveting conversations with fintech’s most relevant operators to comprehensive recaps of the month's most compelling news stories and in-depth analyses of the latest regulatory developments, Fintech Takes is your one-stop-shop for navigating the fintech universe.
Subscribe now to join fintech’s nerdiest podcast around!
Fintech Takes x Nova Credit Presents Cash Flow Conversations Episode 2: Experimenting With (and Scaling Up the Use of) Cash Flow Data
Fintech Takes
43 minutes
1 month ago
Fintech Takes x Nova Credit Presents Cash Flow Conversations Episode 2: Experimenting With (and Scaling Up the Use of) Cash Flow Data
Hello, and welcome back to Cash Flow Conversations, a new podcast miniseries sponsored by Nova Credit.
We’re exploring how cash flow data moves from theory (“this is intriguing”) to practice (“wow, that worked!”) across the consumer lending lifecycle.
It’s risky to try something new; especially when said new thing has the potential to increase credit losses, add friction, or create compliance risk.
So, how can we de-risk big change? And how can we design experiments to surface unknowns while keeping credit, compliance, and operational risk in check?
That’s the focus of episode 2, built around a real case study: PayPal’s experiment testing whether cash flow data could strengthen underwriting for its pay-in-4 BNPL product.
(Spoiler: it did.)
Joining me to unpack the results are: Anand Bhushan, Global Head of Credit, Pay Later Products at PayPal and Nikki Cross, Senior Director of Data Science Solutions at Nova Credit.
We dig into how PayPal built the business case for cash flow underwriting, what they learned from strong consumer uptake, real-time approvals, and scores that beat bureaus – and how Nova Credit helped de-risk the process and scale the data across the credit lifecycle.
Subscribe now to catch more episodes of Cash Flow Conversations, coming soon!
This miniseries is brought to you by Nova Credit.
Nova Credit is a credit infrastructure and analytics company that enables businesses to grow responsibly by harnessing alternative credit data.
The company is a CRA that leverages its unique data infrastructure, compliance framework, and credit expertise to help lenders fill in the gaps that exist in traditional credit analytics.
Deploy cash flow underwriting confidently with Nova Credit's proven platform. Check them out at www.novacredit.com.
Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/
And for more exclusive insider content, don’t forget to check out my YouTube page.
Follow Alex:
YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos
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Twitter: https://www.twitter.com/AlexH_Johnson
Follow Anand:
https://www.linkedin.com/in/anand-bhushan-60325445/
Follow Nikki:
https://www.linkedin.com/in/nikkicrosspatrick/Learn more about Nova Credit here.
Fintech Takes
Fintech moves fast. But here at Fintech Takes, Alex Johnson and his rotating panel of guests move faster so that you can stay on top of the latest and greatest news in the industry without breaking a sweat.
Welcome to Fintech Takes—the place where fintech’s biggest nerds come to sit back, relax, and completely geek out.
Join Alex and a lineup of fintech’s brightest minds as they dissect what’s happening in fintech and banking.
Each week, Alex and his guests recap the most interesting developments in fintech and explore the industry’s most pressing questions, diving headfirst into the intricate workings of some of the industry’s most ground-breaking business models and unpacking the emerging players that promise to shape fintech’s future.
From riveting conversations with fintech’s most relevant operators to comprehensive recaps of the month's most compelling news stories and in-depth analyses of the latest regulatory developments, Fintech Takes is your one-stop-shop for navigating the fintech universe.
Subscribe now to join fintech’s nerdiest podcast around!
